Renovation loan

Temporarily from 2.40%* instead of 2.95% (until 30 June)!
  • Get your loan at our top-value rate
  • Avoid paying origination and registration fees
  • Calculate your loan online and apply right away

Why go for a renovation loan with KBC?

If you're planning home improvements or renovations, a KBC Renovation Loan is the ideal solution. You borrow at an attractive rate which is fixed, so you repay the same amount each month. 

If you already have a mortgage loan, there are even more ways to get financing for your plans. Come in and talk to us today about what we can do for you.

You can take out a KBC Green Energy & Security Loan if at least half of your home improvements are for energy-efficiency purposes or fire or burglar securing improvements. 

More information on the KBC Renovation Loan

Work out and apply for your loan online

Our KBC Touch and KBC Mobile let you easily work out and apply for your loan. They give you a personal rate right away, just like we do at your branch. We make it easy! Don’t take our word for it though. Ask the more than 80% of our loan applicants who’ve requested their loan online. Have questions or need advice? Our KBC Live is there for you.

Our Touch and Mobile apps also show you full details of your loan. See quickly:

  • How much you have left to pay off
  • When your next repayment is due
  • How long your loan still has to run and what you pay each month

You don’t need to have a current account with us to apply for a renovation loan. Simply work out your renovation loan with us on our website.

No handling fees or registration duty

A renovation loan doesn't involve taking out a mortgage, sparing you a trip to a notary-public and saving you money on what can be substantial extra costs.

All you need is proof of investment like a

  • signed invoice or
  • contractor/seller quote

Rate and term

The rate of interest is 2.40% until 30 June 2021 (2.90% as from 85 months).

The best term for you will depend on how much you want to borrow and how much you can spare each month. The longer the term, the less you'll have to repay each month and the easier it will be to pay off your loan. The shorter the term of your loan, the more you'll have to repay each month but you'll pay it off sooner and consequently pay less interest. At KBC, the choice is in your hands. 

There are a few legal limits that apply to the term of a loan: these are automatically built into the car loan calculator. 

Amount borrowed
Maximum term
up to 2,500 euros 24 months
up to 3,700 euros 30 months
up to 5,600 euros 36 months
up to 7,500 euros 42 months
up to 10,000 euros 48 months
up to 15,000 euros 60 months
up to 20,000 euros 84 months
up to 50,000 euros 120 months

Disbursement of your renovation loan

We will disburse your renovation loan

  • once we have received the signed documents and proof of investment from you
  • onto a specified account or joint account in your name

When do you start paying off your loan?

You start making your loan repayments one month after your renovation loan is paid to you. All subsequent monthly repayments will take place on the same day of the month as the initial repayment.

Instalment loan details

* Representative example: for an instalment loan of 10,500 euros to be repaid over 60 months at a fixed annual debit rate and annual percentage rate of charge of 2,40%, you pay 60 instalments of 185,77 euros per month or 11.145,74 euros in total. Rate applies on 25-02-2021 for terms of up to 60 months, for an instalment loan used to finance regular or energy-saving renovations.

* Representative example: for an instalment loan of 10,500 euros to be repaid over 85 months at a fixed annual debit rate and annual percentage rate of charge of 2.90%, you pay 85 instalments of 136,63 euros per month or 11.612,65 euros in total. Rate applies on 25-02-2021 for terms of up to 85 months, for an instalment loan used to finance regular or energy-saving renovations.

Read the legal information
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